I found that money was never really a problem unless youre not looting anything and buying everything. Honestly, some of the loot is severely underpriced. Most of the expe sive act1 loot is generic +2 armour which you can generally do without as you can find what you need early enough, even on tactician difficulty. With that being said, it certainly can give you an edge. I definitely have far more scrolls and potions than i'd have otherwise.

I also did miss a useful magic item or two not checking random skeletons etc, but this isn't an issur if you're a loser like me who checks online after i finish an area to make sure i dont miss anything.